UPI Subject Matter Expert - Functional Consultant

Role Overview:
We are looking for an experienced UPI Issuer Functional Consultant with strong expertise in digital payments and banking systems. The ideal candidate should have hands-on experience in UPI Issuer modules, NPCI certification processes, bank-side transaction validations, and mandate management.
Key Responsibilities:
- Handle end-to-end UPI Issuer modules including customer onboarding, mandate management, and transaction processing.
- Work on bank-side transactional validations and UPI workflows.
- Configure and manage Payee and Payer mandate setups.
- Coordinate with internal teams, banks, and external stakeholders for NPCI certification, compliance, and UDIR reporting.
- Understand and implement NPCI Operating Circulars (OCs) and procedural guidelines.
- Support UPI integrations with Issuer, Acquirer, and PSP systems.

- Work closely with technology, operations, compliance, and business teams for successful implementation and issue resolution.
- Manage and support Hardware Security Module (HSM) integration for secure transaction processing and cryptographic operations.
- Participate in testing, certification, deployment, and production support activities.
- Ensure compliance with banking and NPCI regulatory standards.
Required Skills:
- Strong functional understanding of UPI ecosystem and payment flows.
- Hands-on experience in UPI Issuer implementations.
- Experience with bank-side transactional validations.
- Knowledge of NPCI certification processes and compliance requirements.
- Experience in mandate management and MCC mapping.
- Familiarity with UPI Acquirer and PSP systems.
- Understanding of HSM integration and security concepts.
- Exposure to UDIR reporting and NPCI Operating Circulars (OCs).
- Strong stakeholder management and communication skills.
Preferred Qualifications:
- Experience working in banking or fintech organizations.
- Exposure to mobile banking projects (minimum 2 projects preferred).
- Knowledge of digital payments, reconciliation, and settlement processes.
- Ability to work in a fast-paced production support and implementation environment.